Calculate the Korean NHIS long-term care grade review deadline, compare documented monthly benefit and household-care scenarios, and plan preparation cost and a 60- or 90-day cash buffer.
Use values supported by the NHIS notice, individualized care plan and actual quotes.
The model compares 90 days from knowledge with 180 days from the disposition and uses the earlier date.
Date printed on the long-term care recognition or denial notice
Actual postal receipt, electronic access or other supported knowledge date
Date from which remaining days are measured
Date you plan to lodge the review request with NHIS
No national cap is guessed. Enter the cap and copay rate shown in your own documents.
Confirm in the recognition certificate, care plan or NHIS advice
Expected LTC service charge including any amount above the cap
Actual rate after any individual reduction
Care contracted separately and not duplicated in the service charge
Confirm in the recognition certificate, care plan or NHIS advice
Expected LTC service charge including any amount above the cap
Actual rate after any individual reduction
Care contracted separately and not duplicated in the service charge
The model does not decide retroactivity. Enter only a period supported in writing or in a review decision.
Whole months supported by NHIS writing or the review ruling
Enter actual spending or a received quote
Enter actual spending or a received quote
Enter actual spending or a received quote
Enter actual spending or a received quote
Enter actual spending or a received quote
Cash immediately available for care and preparation while review is pending
Current statutory procedure: review request (simsa cheonggu)
90 days from knowledge binds
Displayed deadline
2026-12-03
| Item | Current disposition · Not recognized | Comparison scenario · Grade 4 | Comparison−current |
|---|---|---|---|
| Service cost within cap | KRW 0 | KRW 0 | KRW 0 |
| Above-cap cost | KRW 0 | KRW 0 | KRW 0 |
| Public benefit value | KRW 0 | KRW 0 | KRW 0 |
| Household covered-service cost | KRW 0 | KRW 0 | KRW 0 |
| Household cost incl. private care | KRW 0 | KRW 0 | KRW 0 |
| Unused cap | KRW 0 | KRW 0 | KRW 0 |
Period amounts remain a planning scenario, not confirmed retroactive payment.
Rule year 2026 · sources checked 2026-09-04
Results support deadline and cash-flow planning only. They do not predict a grade change, favorable ruling, effective date, cash payment or reimbursement.
A denial or a lower-than-expected Korean long-term care grade creates two urgent jobs for a household: preserve the right to challenge the NHIS disposition and keep paying for necessary care.
Korean search terms often call this an objection, but Article 55 of the Long-Term Care Insurance Act names the current statutory procedure a review request, or simsa cheonggu.
The essential timing question is the earlier of 90 days from learning of the disposition and 180 days from the disposition itself.
This calculator displays that earlier date, compares the monthly public benefit value and household care cost under two user-supplied scenarios, and adds preparation expenses and a 60-day or 90-day cash buffer.
It does not assess medical eligibility, predict a successful review, determine a new grade, or establish retroactive cash payment or reimbursement.
Recovery benefit is not a separate statutory benefit that is paid automatically.
Period results are planning scenarios and should use only months whose effective date and settlement scope have been confirmed in NHIS writing or in the actual review decision.
Public benefit value and household savings measure different viewpoints, so never add them together as a total gain.
Article 55 covers NHIS dispositions involving long-term care recognition, grades, benefits, and costs.
A written or electronic review request generally must be filed within 90 days from the date the person learned of the disposition and cannot be filed more than 180 days after the disposition.
The Act recognizes an exception where a justifiable reason is proved, but this calculator neither finds such a reason nor cures a late filing.
| Stage | Time rule | Evidence to keep | Calculator treatment |
|---|---|---|---|
| Review request | Knowledge +90 days | Postal receipt or electronic access | Compared with the disposition limit |
| Long-stop limit | Disposition +180 days | Recognition or denial notice | Used when earlier than the 90-day date |
| Review decision | Filing +60 days | Receipt and supplement notices | Planning reference date only |
| Possible extension | Up to +30 days | NHIS extension notice | 90-day date and cash scenario |
| Re-review request | Knowledge of ruling +90 days | Review-decision receipt record | Outside this calculator |
The date arithmetic excludes the first day by adding 90 or 180 calendar days, consistent with Civil Act Article 157.
If the calculated day is Saturday or Sunday, the tool displays the next Monday in line with the weekend rule in Article 161.
Korean statutory and temporary holidays are not embedded, so file early and confirm the actual receipt date with NHIS.
The tool does not fill a nationwide allowance merely from a selected grade, because actual treatment can vary with benefit type, care plan, reduction status, contracted price, and rule year.
Enter the monthly cap and copay rate supported by the current recognition certificate, individualized care plan, or NHIS advice for each scenario.
If a facility benefit does not fit a simple monthly-cap model, ask NHIS or the provider for comparable monthly figures before using this comparison.
Eligible service cost is the lower of planned service cost and the confirmed cap.
Multiplying it by one minus the copay rate gives the public benefit value.
The comparison value minus the current value measures a system-funded difference, not an amount guaranteed to arrive in a personal bank account.
Household covered-service cost equals the copay on eligible service plus every amount above the cap.
Separate private care that is not duplicated in the service charge is then added to produce total household care cost.
Current total minus comparison total is monthly household saving, and a negative result means the comparison scenario costs more.
Before entering a period amount, ask NHIS about the effective date of any changed certificate, settlement of already delivered services, and the treatment of privately contracted care.
Record the date and department for oral guidance and request written support where available.
The example values below are synthetic tests, not national averages or current NHIS allowance figures.
A July 1 disposition and July 3 knowledge date produce October 1 under the 90-day rule and December 28 under the 180-day rule, so October 1 controls.
There are 73 days remaining on July 20, and a July 25 planned filing falls within the displayed period.
| Item | Current Grade 5 | Comparison Grade 3 | Difference |
|---|---|---|---|
| Confirmed monthly cap | KRW 1,000,000 | KRW 1,500,000 | KRW 500,000 |
| Planned monthly service | KRW 1,400,000 | KRW 1,400,000 | KRW 0 |
| Public benefit value | KRW 850,000 | KRW 1,190,000 | KRW 340,000 |
| Household covered cost | KRW 550,000 | KRW 210,000 | −KRW 340,000 |
| Household cost incl. private care | KRW 750,000 | KRW 210,000 | KRW 540,000 saved |
If NHIS writing supports three applicable months, the period public-benefit difference is KRW 1,020,000 and household saving is KRW 1,620,000.
After KRW 400,000 of preparation costs, the net household scenario is KRW 1,220,000 and simple break-even is about 0.74 months.
With current household care at KRW 750,000 per month, the 60-day cash need is KRW 1,900,000 and the 90-day need is KRW 2,650,000.
Available cash of KRW 2,000,000 covers the 60-day scenario but leaves a KRW 650,000 gap in the 90-day scenario.
Separate the notice and knowledge dates before comparing the current full private-care cost with a supported recognition scenario.
Use the checklist to locate missing daily-function and medical evidence, not to assign a probability of recognition.
Hold planned service use constant where practical and compare the cap, over-cap amount, and copay under a discussed alternative.
This avoids assuming that a higher grade always produces equal cash savings when service use may also increase.
Convert the statutory 60-day decision period and possible 30-day extension into cash needed to maintain current care.
The result supports a family funding schedule and is not advice to stop or change care while the review is pending.
After receiving written language on applicable months, calculate a period comparison to organize an NHIS settlement inquiry.
Private-care receipts remain separate from covered services and are not presented as automatically recoverable.
A review request is easier to examine when each claimed difficulty in daily living is linked to evidence from the assessment period.
Go beyond a diagnosis list by recording help with eating, movement, toileting, cognition, behavioral changes, medication, and safety risks.
If the condition worsened only after the assessment, ask NHIS whether the issue concerns an error in the old disposition, a new application, or both.
Keep the LTC provider statement, copay receipt, above-cap amount, and separately contracted care in distinct categories.
Enter the provider service charge under planned monthly service and only a non-duplicated private contract under separate private care.
Medical-document and advice fees are valid planning expenses, but paying them does not by itself make NHIS or another party liable for reimbursement.
Objection is a common search description, while review request is the formal Article 55 term for contesting the covered NHIS dispositions.
A person dissatisfied with the review ruling may separately consider re-review under Article 56 and administrative litigation under Article 57.
Both must be checked, and the earlier ending date should drive the preparation plan.
If the knowledge date or a justifiable-cause exception is disputed, obtain immediate case-specific confirmation rather than relying only on this arithmetic.
Filing alone should not be treated as an automatic change to the existing disposition, service plan, or copay.
Check the ruling, any new recognition certificate and care plan, and NHIS effective-date guidance before changing the entered period.
No automatic full repayment should be assumed.
Article 27 generally connects benefit access to receipt of the recognition certificate and individualized plan, so the effective date and treatment of already delivered covered services need separate confirmation.
A receipt for privately contracted care does not itself establish an NHIS refund.
No.
They translate the Article 22 processing period and possible 30-day extension into planning references, while supplements and actual case handling can change the notification date.
Submit Enforcement Rule Form 32 with evidence supporting the stated facts to NHIS.
NHIS guidance lists branch visit, mail, fax, and online channels, but confirm the current channel and legally relevant receipt timing before filing.
The legal basis was checked against the current National Law Information Center versions on September 4, 2026.
Article 55 supports scope and filing periods, Enforcement Decree Article 22 supports the 60-day plus 30-day processing references, Enforcement Rule Article 39 and Form 32 support filing materials, and Article 27 supplies the general benefit-start caution.
Calculate the remaining period from the notice and receipt evidence, then prepare Form 32 and an evidence list organized by factual issue.
Do not guess applicable months or reimbursement; rerun the calculator after receiving NHIS writing or the actual ruling language.